Indian Bank Revises MCLR, TBLR, Base Rate & BPLR Effective Jan 3, 2026
Indian Bank has revised its MCLR, TBLR, Base Rate, and BPLR, effective January 3, 2026. MCLR rates have seen a reduction across all tenors, with the 1-year MCLR now at 8.75%. Base Rate is revised to 9.55% and BPLR to 13.80%. Policy Repo Rate and RBLR remain unchanged.
The changes in benchmark rates are minor and are standard practice for banks, resulting in a low impact on the company's overall performance.
The revision in lending rates is a routine adjustment and does not significantly alter the bank's financial outlook.
Indian Bank announced a revision in its benchmark lending rates. The Asset Liability Management Committee (ALCO) reviewed and decided to revise the Marginal Cost of funds based Lending Rate (MCLR), Treasury Bills Linked Lending Rates (TBLR), Base Rate, and Benchmark Prime Lending Rate (BPLR).
The revised MCLR rates are: Overnight at 7.90% (previously 7.95%), 1 month at 8.20% (previously 8.25%), 3 months at 8.40% (previously 8.45%), 6 months at 8.65% (previously 8.70%), and 1 Year at 8.75% (previously 8.80%).
The revised TBLR rates are: <= 3 months at 5.30% (previously 5.40%), >3 months & <=6 months at 5.45% (previously 5.55%), >6 months & <=1 year at 5.50% (previously 5.55%), and >1 year & <= 3 Years at 5.50% (previously 5.55%).
The Base Rate has been revised to 9.55% (previously 9.60%), and the Benchmark Prime Lending Rate (BPLR) to 13.80% (previously 13.85%).
These revised rates are effective from January 3, 2026. The Policy Repo Rate and RBLR remain unchanged at 5.25% and 7.95% respectively.
What to do with a filing like this
Indian Bank filed this with the NSE as a statutory disclosure, categorised under other company updates. It is a primary document, not a recommendation, and the desk marks it low impact, the band that almost never moves a portfolio on its own.
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See the model portfoliosA plain-language summary of a public exchange filing by Indian Bank. Read the original for the full detail.